Car insurance. It’s necessary, but no one particularly enjoys hunting around for the right policy. So many options (too many?) and agencies promising you the "best deal" can be overwhelming. What does "best deal" even mean?
These tips will help you find affordable car insurance for your East Hartford, CT vehicle, while choosing just the right coverage to protect your vehicle and your family against the unknown.
You wouldn’t buy a car without shopping around first, so don’t buy insurance from the first agency who offers you a policy you can afford. Here on our website, you can instantly compare quotes from many of the top insurance companies. That kind of information once took an hour’s worth of web searches (or more time-costly phone calls!), but now you can get it in minutes, so take advantage of that resource.
Look at More than the Bottom Line
Low monthly premiums don’t necessarily equal the "best deal." Look at the specific coverages offered by each policy, including optional additional coverages like collision, uninsured motorist, or comprehensive coverage, and the amount of your deductibles. Often, higher-cost premiums go along with lower deductibles, and higher deductibles correlate with lower monthly costs.
Feel free to talk to one of our independent agents about the best deductible (and coverage) choices to make for the drivers in your family, and you’ll avoid paying more than necessary.
Understand your Policy
Before you sign on a policy, take the time to read the fine print. We know your time is precious, but this is one (admittedly monotonous) step worth taking, and it could prevent unpleasant surprises if an accident does occur. Make sure you know exactly what is and isn’t covered and familiarize yourself with any specific policy exclusions.
When you understand how premiums are determined for car insurance in CT, you can use that information to save some money the next time you need to buy or renew a car policy. We can answer all of your car insurance questions and help you save on car insurance.
Premiums are based on two main factors. The first, and most important factor, is you. What kind of insurance risk do you present to a company that sells car insurance? The second factor that you must also pay attention to is the particular auto insurance company you select.
If you have a lousy driving record and have been in more than a few accidents over the last several years, your premium is going to be higher than if you have a spotless driving record and have never had the occasion to file a claim. Knowing that, you should never attempt to conceal the fact that you received a speeding ticket last month or that you have a DUI case pending.
If you attempt to lie and deceive the insurance company in hopes of getting a lower rate, you are playing with fire. If you get into an accident and need to file a claim, your insurance company will not pay. Your policy will likely be canceled for committing a fraudulent act, and, if you can find new insurance, it will probably be two or three-times what you were paying.
If you want to save on auto insurance in CT, and do it the legal and honest way, do your part by being a responsible driver, avoiding accidents, filing fewer claims, and always paying your premiums on time. Then, use our free rate quote tool to compare rates and find the insurance company that will offer you the lowest premium.
Most people have adequate amounts of home, auto and health insurance due to state and federal requirements mandating that citizens have policies in place. Unfortunately, since life insurance is optional, many people are going about their daily lives without a policy. Life insurance isn't expensive in Cromwell, CT; the monthly cost of a term life insurance policy typically costs less than what you spend on eating out each month.
Having a life insurance policy doesn't mean you're frivolous; it means you're responsible. At some point, everyone passes on. Sadly, for some it's much earlier than others. Life insurance fills the income void that's left behind when a person passes away. Say that a young couple with two kids are killed in a car accident. Relatives will gladly step in to care for those kids, but it will place some degree of financial burden on the caretakers. If the couple has life insurance, the burden will be greatly reduced or eliminated.
Financial advisors usually recommend that adults with dependents have a minimum of 10 times their income in life insurance. That means that if your income is $50,000 a year, you should have a $500,000 policy. Depending on your current financial picture, how much debt you have, your assets, and your monthly spending, you may want to have more or less.
To learn more about the different types of life insurance, and get assistance in choosing the one that's best for you and your family, contact us today. We're here to help you find the lowest price on life insurance policies so that you can rest assured knowing your family will be taken care of financially if you pass on. Our team is always ready to serve our fellow residents in Cromwell and surrounding communities.
You have a lot of ongoing expenses when it comes to your car, your house, and simply living your life. Insurance helps to cut down on the amount that you pay for these occasional expenses that come from car accidents, damage to your home, and having medical emergencies. There are some things that are important to understand when it comes to shopping around for insurance.
One of the biggest things is that our independent agents at AllConnecticut Insurance Company can save you a lot of time on your insurance search. You can call around to each individual insurance company you are interested in, but that requires a significant time investment, and you are going to deal with a sales pitch from every agent you talk to. We already have connections to these companies, and can fast track the quote information to you.
Our free online quote system makes it a simple matter to find out a general idea about coverage options and premiums, which beats endless amounts of calling that would otherwise be a requirement. Once you have a good idea of the companies you want to go with, you can get in touch with us to get additional details or sign up for coverage.
Read all of the coverage information so there's no surprises down the road when you do need to make a claim. This is important to avoid any major issues that could pop up over your life, especially when it comes to home and medical insurance.
Get in touch with our agents at AllConnecticut Insurance Company in Hartford, CT to find out how best we can serve your needs. We've worked with plenty of insurance products, so we're more than happy to find out how we can help you with your life needs.